We managed to wangle RAC cover for a 40 year old car and paid monthly and only paid for 1 month. I think they have since changed their policy, it was a lot more than £65 for the year 😆
Tag is more expensive, when we arrived there were others who drove and were stuck at a couple of tolls for 30 minutes due to the queues. It also means the passenger doesn’t have to wake up and deal with the toll booth. Oh it shaves a lot more than 5 mins off. One year we left 30 mins later and was at the lunch stop 20 mins before the others, same route, same speed on the Autoroute, we put it down to not having to queue or even stop at a toll booth.